average of about $129 a month. $1,500 a year. but, again, look at that deductible. it is very high. only covers three primary visits a year. it's for folks not using a lot of what we got here. now we've got to talk about the penalty phase, as you know. this year the penalty for not having health insurance is fairly cheap, 95 bucks, 1% of income. as you see the penalty for not having insurance in 2015 or 2016 goes up dramatically, $325 a year, $695 a year, 2.5% of income, so it really starts to hit, and the idea is that it makes it, quote, unquote, worthwhile. we should mention the rollout is hitting some rough patches this morning. around 8:00, glitches started showing up. officials reported, blamed difficulties on online traffic. but on the phone the average wait time to sign up for an exchange is 30 minutes. well, senator reid is putting back that hot potato into speaker boehner's lap.